Request for Submission of Documents to Verify Details of Transaction (Purpose of Remittance, Source of Funds, Use of Funds, etc.) When Handling Overseas Remittances

In light of strengthening international efforts to prevent money laundering and the financing of terrorism, we ask that you provide documents that can verify the transaction details when making overseas remittances.

Please note that we will record a copy of the documents and the details of the confirmation.

In addition, depending on the transaction details, we may refuse to process the transaction at our discretion even if you provide an explanation and the requested documents. We appreciate your understanding in advance.

We apologize for any inconvenience this may cause and appreciate your understanding and cooperation.

Documents To Be Submitted

When submitting documents, we will ask you for detailed information on the purpose of the remittance, source of funds, use of funds, background of the transaction, and relationship with the remittance recipient, etc., and ask you to provide documents that confirm the details of the remittance. (We may ask you to submit additional documents at a later date after the money transfer has been executed or the money has been deposited to your account in order to respond to inquiries from the relay bank or receiving bank.)

Please see below for examples of the documents to be submitted.

Examples of Documents Related to the Purpose of Remittance and the Use of Funds

Purpose of Remittance and Use of Funds	Examples of Documents to Be Submitted
General Trade Transactions	Invoices, sales contracts, bills of lading, certificates of origin, notices of import permit, export permit, etc.
Service Fees and Outsourcing Fees	Contracts, invoices related to the use of services or outsourcing, etc.
Purchase of Real Estate	Contracts, invoices related to the purchase and sales of real estate, etc.
Investment, Capital Contribution, and Company Establishment	Contracts with investees, remittance instructions for investment funds, certified copies of registries and invoices of investees, documents confirming the contents of the investment, articles of incorporation, copies of acceptance of notification to the authorities, etc.
Loan and Debt Repayment	Lease agreement, loan agreement, etc.
Loan	IOU, etc.
Insurance Premiums	Insurance related contracts, invoices, etc.
Accommodation and Travel Expenses	Fares, accommodation invoices/reservation slips, documents confirming travel itineraries, etc.
Education Funds and Study Abroad Expenses	Invoices for tuition and enrollment fees from educational institutions, certificate of enrollment, etc. *If you are transferring educational funds or study abroad expenses for a family member, please also submit documents that can verify your relationship with the requester (such as a certified copy of family register or resident registration card etc.)
Medical Expenses	Invoices from medical institutions, etc.
Living Expenses	Documents confirming the relationship between the requester and the recipient (such as family registers, marriage certificates, birth certificates, notarized deed issued by official authorities in each country), documents confirming the necessity of funds, etc. *We will inquire and confirm the annual income of the requester, the number of family members of the recipient, and the number of months of living expenses being remitted.
Deposit Transfer to Your Own Bank Account	Documents that can verify the account information (bank name, account name, account number, etc.) such as the bankbook or deposit statement of the destination account, etc. *We will ask you for details about the purpose of the deposit transfer and confirm it. Please submit documents that can verify the purpose.

Examples of Documents Related to the Source of Funds for Remittance

Source of Funds	Examples of Documents to be Submitted
Salary and Wages	Salary slips, withholding tax certificates, income certificates, employment contracts, bank account book / Transaction statements for salary transfers, account book for overseas salary transfers, etc.
Proceeds from Sales of Goods	Contracts, documents related to transactions, etc.
Pension and Subsidies	Bank Account Book where transactions can be confirmed. (Deposits and Withdrawals details, etc.)
Funds Related to Investment (Dividends, etc.)	Contracts related to investments / Documents related to cancellation at the investment company, etc.
Real Estate Related Income	Documents related to real estate leasing, real estate sales contract, etc.
Insurance Payment	Documents related to payments from insurance companies, etc.
Inheritance Funds	Inheritance related documents, etc.
If the source of funds for remittance is transferred from an account at another financial institution, you will be asked to submit the financial institution's acount book / Transaction statements for the account at the other institution. If your account remains inactive for a certain period, or if the transactions significantly differ from the purpose stated at the time of account opening, or if there are unclear fund flows due to cash withdrawal transactions, we will inquire and confirm the reasons for making overseas remittance at our bank. (We will inquire and confirm the reasons for making overseas remittance at our bank. If there is no reasonable explanation, we may refuse to process the transaction.)